NOVALINE

Verticals

Same ledger physics. Different failure modes.

We underwrite $2M–$25M distributors. The payer is the credit. The vertical tells us where cash actually leaks.

NAICS 4238

Industrial distribution payment processing

OEM and MRO accounts buy on terms. A missed week of collections is a six-figure hole in cash.

Typical DSO 46 days

NAICS 4233

Building materials payment processing

Seasonal shipments and contractor terms stretch DSO into the 50s just as yards restock.

Typical DSO 51 days

NAICS 4236 / 4237

MRO, electrical, plumbing & HVAC payment processing

High SKU counts, job-account billing, and a contractor base that still mails cheques.

Typical DSO 44 days

NAICS 4231

Auto and truck parts payment processing

Shop credit, fleet terms, and warranty returns make cash less predictable than the counter suggests.

Typical DSO 41 days

NAICS 4241 / 4238

Packaging & janitorial supply payment processing

Recurring orders, thin SKU margins, and national-account virtual cards that clip 3%.

Typical DSO 39 days

NAICS 4234

Medical & dental supply payment processing

Clinics and practices pay slowly; group purchasing cards pay quickly and expensively.

Typical DSO 48 days

Run the fee audit before the next processor renewal.

Fee Audit Talk to credit